Lots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium.

Customer service is not 24/7 and reports of not-so-great claims handling.

4

Plymouth Rock

Excellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey.

Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest.

4

Safeco

24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling.

Customers claim Esurance will penalize for cancelling a policy. No local agents.

4

Southern Farm Bureau

Affordable rates in the markets they service with a bevy of discount options.
Faster than average claim payout times.
Policyholders seem very happy with Farm Bureau's personable customer service.

Can be tough to get in touch with the correct person at times when filing a claim.
There have been several reports of cancelled policies after an initial claim.

4

NJM

Competitive premiums and offerings.
High satisfaction with claims processing and coverage. Most customers stay with them once covered.

Insurance only available to employees of select organizations.
Only in New Jersey and Pennsylvania.

4

Safety Ins.

VIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers.
Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire.

Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission.

Only available in 26 states. The complaints are higher than average compared to similar insurers.

3.8

Alfa Mutual

Good ratings on their financial strength, and a lower than average complaint index.

Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky

3.5

Allied

Recent partnership with Nationwide increases their coverage area and availability

Might not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process

3.5

Farm Bureau Mutual

Offers lower than average rates. Has a suite of discounts and affinity programs.

Only available in 19 states.

3.5

Arbella

Solid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area.

Auto policies only available in two states, Massachusetts and Connecticut.

Established for teachers and those part of union, etc. Offers competitive rates.

Claims process can be slow and payout from accidents are lower than expected.

3

Home State

Home State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers.

Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage.

3

Hanover

Easy to customize your policy. Nice string of discounts.

Prices can be higher than average.

3

Mapfre

Can get low rates through Mapfre in Northeastern states such as Massachusetts.

MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state.

Hisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents.

Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record.

3

Sentry

Sentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more.

There are a number of customer complaints in the areas of products and services.

3

State Auto Group

State Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states.

Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims.

3

Chubb

Can pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit.

No brand recognition. Most believe to be a new company though Good2go has 25 years experience.

2.5

Infinity

Immigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving.

Infinity does make the JP Power list. Have to assume the financials aren't that great.

2.5

Loya

Access to full-service and proprietary offices where agents can handle quotes and claims.

Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX

2.5

National General

Smart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors.

Mixed reviews of claims handling and auto insurance coverage types.

2.5

Safeway

It is difficult to find anything good about this company.

Presentation of inconsistent information from website and agents.

2

Access Auto

Basic online website with some options so you don't have to talk to an agent.

Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone.